This scheme shall remain in force till such time till it is otherwise terminated by HSBC Bank Credit Card.

HSBC Credit Card Reward Points will be awarded to a HSBC Bank Credit Card member for valid charges incurred on a valid Card. No HSBC Credit Card Reward Points will be awarded to customers towards transaction fees and charges. HSBC Bank Credit Card may award Rewards Points on a uniform basis for any other actions as HSBC Bank Credit Card may decide either for a specific period or for a specific situation.

HSBC Credit Card Reward Points are redeemable for purchase of specific goods and vouchers as may, from time to time, be intimated by HSBC Bank Credit Card.

No accumulation or redemption of HSBC Credit Card Reward Points will be permissible if, on relevant date, the Card has been withdrawn or cancelled or is liable to be cancelled or if the account of the HSBC Bank Credit Card Cardmember is a delinquent account or if there is any breach of any clause of the Terms and Conditions applicable on the card. The HSBC Credit Card Reward Points will lapse on the date of closure / cancellation of the HSBC Bank Credit Card.

HSBC Bank reserves the right to substitute or withdraw any product or Gift voucher on account of non-availability of the product or Gift voucher.

HSBC Bank’s computation of HSBC Bank Credit Card Rewards Points shall be final, conclusive and binding on a HSBC Bank Credit Card Cardmember and will not be liable to be disputed or questioned, except in case of manifest error.

HSBC Bank Credit Card Cardmember cannot transfer any HSBC Credit Card Reward Points to another person or combine the HSBC Credit Card Reward Points of his / her other Credit Cards except for Additional Cards issued and linked with the primary card.

All goods / Services under the HSBC Credit Card Reward Points Program are subject to availability of the goods and supplier restrictions, at the time of redemption.

All disputes, if any, arising out of or in connection with or as a result of this HSBC Bank Credit Card Rewards Program or otherwise relating hereto shall be subject to the exclusive jurisdiction of the courts/tribunals in Mumbai.